What's covered and how much does it cost?

If you've ever dropped your gadget or spilled a drink over it, you'll understand just how much you rely on your electronic devices. Getting gadget insurance means you'll be covered for repair or replacement in the event of an accident. Gadget travel insurance is included in all our policies. We offer three levels of cover and you can pay monthly or yearly. The cheapest way to insure your gadgets is to pay annually, as this way you can take advantage of our discounted rates. The below examples are based on individual Personal, Student and Business Cover.

Standard Cover

Premium Cover

Ultimate Cover

Standard Cover

£3.00 Per Month

+ pay annually get 1 month free

+ no limit on claims

+ 12 month warranty on replacements

Standard Product

With our Standard Cover, you're insured for accidental damage, liquid damage, mechanical breakdown and cracked screen. You also get £50 mobile accessory cover and 60 days per year worldwide cover.

14 day money back guarantee

No contract and cancel anytime†

Included

Accidental Damage

36 months

Max Device Age

Included

Liquid Damage

Included

Mechanical Breakdown

Included

Cracked Screen

£50

Accessory Cover

60 days

Worldwide Cover

Excluded

Unauthorised Use

Excluded

E-Wallet Cover

Excluded

Theft Cover

Excluded

Loss Cover

† Terms and conditions apply

Liquid Damage

Liquid Damage

Mechanical Breakdown

Mechanical Breakdown

Worldwide cover

Worldwide cover

Cracked Screens

Cracked Screens

Premium Cover

£4.00 Per Month

+ pay annually get 1 month free

+ no limit on claims

+ 12 month warranty on replacements

Premium Product

Our Premium Cover includes theft cover in addition to accidental damage, liquid damage, mechanical breakdown and cracked screen. Accessory cover is £100 and you get 120 days a year of worldwide cover. In the event of theft, you get a replacement phone. You're also covered for £2,500 of unauthorised use and £500 of unauthorised e-wallet transactions.

14 day money back guarantee

No contract and cancel anytime†

Included

Accidental Damage

36 months

Max Device Age

Included

Liquid Damage

Included

Mechanical Breakdown

Included

Cracked Screen

£100

Accessory Cover

90 days

Worldwide Cover

£2500

Unauthorised Use

£500

E-Wallet Cover

Included

Theft Cover

Excluded

Loss Cover

† Terms and conditions apply

Liquid Damage

Liquid Damage

Mechanical Breakdown

Mechanical Breakdown

Worldwide cover

Worldwide cover

Cracked Screens

Cracked Screens

Device Theft

Device Theft

Ultimate Cover

£5.00 Per Month

+ pay annually get 1 month free

+ no limit on claims

+ 12 month warranty on replacements

Ultimate Product

With our Ultimate Cover, you get loss and theft cover, plus accidental damage, liquid damage, mechanical breakdown and cracked screen. Mobile accessory cover is £150 and you get 120 days per year of worldwide cover. In the event of loss or theft, you get a replacement phone. Whether your device is lost or stolen, you're also covered for £2,500 of unauthorised use and £500 of unauthorised e-wallet transactions.

14 day money back guarantee

No contract and cancel anytime†

Included

Accidental Damage

36 months

Max Device Age

Included

Liquid Damage

Included

Mechanical Breakdown

Included

Cracked Screen

£150

Accessory Cover

120 days

Worldwide Cover

£2500

Unauthorised Use

£500

E-Wallet Cover

Included

Theft Cover

Included

Loss Cover

† Terms and conditions apply

Liquid Damage

Liquid Damage

Mechanical Breakdown

Mechanical Breakdown

Worldwide cover

Worldwide cover

Cracked Screens

Cracked Screens

Device Theft

Device Theft

Device Loss

Device Loss

Get started with our gadget insurance quote

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What types of cover are available?

Whatever your circumstances, we've got a type of cover to suit you. If you only need to insure your own mobile phone, you can choose from Personal Cover, Student Gadget Cover or Business Gadget Cover. Need to insure your whole family? Our bundle deals provide even greater savings on multiple gadgets including mobile phones.

Get a Quote

Family Bundle Cover

Bundle & Save

Best value, cover all your families’ gadgets under one of our great value bundle policies. Easily add and remove items.

Learn more

Get a Quote
Get a Quote

Student Gadget Cover

Covers your gadgets no matter whether you are at home, university or travelling abroad for up to 120 days per year.

Learn more

Get a Quote
Get a Quote

Business Gadget Cover

Covers gadgets such as phones, laptops, tablets owned by your company and used by any employee.

Learn more

Get a Quote

Look how we Compare

We know that Switched On people shop around for the best deal and we have made it easy for you by putting together the following insurance feature comparisons. As you can see, our policies are packed full of features when compared with the competition!

Standard XS Immediate Cover Online 24 Hour Claims Unlimited Claims True Monthly
The standard excess that most people will pay in the event of a claim. Some providers won't cover you for the first 14 days after you have puchased the policy. Can you go online and start your claim, even at the weekends. Some providers limit the number of claims you can make in a 12 month period. Is the policy a true cancel anytime policy, even if you claim.
£75.00
£100.00
£100.00
£200.00
£75.00
Comparison correct as of 05/11/2019

What types of gadget can be covered?

At Switched on Insurance, we cover any of the following types of gadget:

Computing gadgets

  • Smartphones
  • Tablets
  • Laptops
  • Desktop computers (PCs)

Entertainment gadgets

  • E-readers
  • MP3 players
  • Headphones and earphones
  • Games consoles
  • Handheld games consoles
  • DVD and Blu-ray players

Personal gadgets

  • Mobile phones
  • Smart watches
  • Wearable devices

Photography gadgets

  • Digital cameras
  • Video cameras
  • Camera lenses

Car gadgets

  • Satnavs
  • In-car computers

What are the benefits?

Your gadgets will be covered for accidental damage and breakdown, device theft and device loss, depending on the level of cover you choose. The best bit is you'll be paying a lot less than other providers because we're a specialist insurer.

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Frequently asked questions

You select the device or devices you'd like to insure, choose your preferred type and level of cover, then pay a monthly or annual fee. Just like household contents insurance, you'll have to pay an excess in the event of a claim. However, gadget insurance excess is a lot less than contents insurance excess.

Here at Switched on Insurance, all our gadget insurance policies cover liquid damage.

All of our gadget insurance policies cover cracked phone screens.

What your policy covers depends on the level of cover you have opted for. At Switched on Insurance, our Standard Cover includes accidental damage and breakdown, our Premium Cover adds device theft and our Ultimate Cover adds device loss.

With all our policies you're covered for repairs and replacements to your gadget's accessories and you're also covered when you're travelling abroad. The amount and duration of these varies according to the level of cover you've selected.

Our Premium and Ultimate packages include cover for unauthorised use and unauthorised e-wallet transactions in the event of theft or loss.

We insure any make and model of gadget. You can also get cover for other devices such as tablets, laptops, PCs, e-readers, games consoles, cameras, sat-navs and wearable gadgets. This list is not exhaustive, but rest assured, whatever devices you'd like to insure, we'll be able to cover you.

You can insure any devices, irrespective of where they were purchased. This means whether you've bought your devices from eBay, Amazon, high street retailers or from friends, we'll be able to insure them.

You are covered immediately once your payment has gone through. You'll be emailed a link to download your policy documents straight away but you won't have to wait for this for the cover to begin.

If you've chosen our Personal, Student or Business Cover your policy will cover you for the device you selected to insure.

If you've chosen a Family Bundle, this will cover all the devices you selected to insure, regardless of which member of the family uses them.

If you need to make a claim for accidental damage or breakdown, you can make a claim online via our website.

If you need to make a claim for theft or loss, you must do so by calling our claims helpline on: 0330 880 1746.

Our claims helpline is open Monday to Friday between 09:00am and 17:30pm.

Calls to our claims helpline are charged at local rate.